Instant MCA Eligibility
Time in BusinessVerifier
Find out how long you've been operating and how MCA funders view your time in business.
Your business's start date plays a key role in funding approval. This tool helps you quickly calculate your time in business and understand what that means for merchant cash advance (MCA) funding.
Instant Business Age Calculation
Auto-Ranked Approval Tiers
MCA Outlook & Insights
Business Start Date
What Date Should I Use?
Use the date you first started generating revenue, not your incorporation date. This is when you actually began business operations.
What Date Should I Use?
Use the date you first started generating revenue, not your incorporation date. This is when you actually began business operations.
Time in Business Results
Enter your business start date to see results
Enter your business start date to calculate your MCA readiness
MCA Time-in-Business Requirements
0–3 Months
Very Limited Options
- • Most funders require 3+ months in business. Very high rates if approved. Small amounts only.
3–12 Months
Limited Options
- • Some funders available. Higher factor rates (1.3–1.5). Need strong bank statements.
1–2 Years
Good Options
- • Many funders interested. Competitive rates (1.2–1.4). Full business cycle shown.
2+ Years
Excellent Options
- • All funders available. Best rates (1.15–1.3). Strong negotiating power.
How time in business impacts funding
Use your calculated business age to strengthen your MCA application. Funders value long-standing operations.